Which card has a lower forex fee: IDFC FIRST Select Credit Card or Federal Bank Scapia Credit Card?

Federal Bank Scapia Credit Card has lower forex markup (0% vs 1.99%).

Which card has a lower annual fee: IDFC FIRST Select Credit Card or Federal Bank Scapia Credit Card?

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

IDFC FIRST Select Credit Card: 16/year domestic lounge. Federal Bank Scapia Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Add another card →

IDFC FIRST Bank Select vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the IDFC FIRST Bank Select and the Federal Bank Scapia. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel Federal Bank Scapia Forex Federal Bank Scapia

Quick comparison

Three core metrics

Select IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.99%
Domestic lounge 16/year

Scapia Federal Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge Unlimited

Reward earning explained

Per card

Select

3 pts / ₹150 on General spend

Scapia

Base rewards on regular spend

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Select: ₹0 vs Federal Bank Scapia: ₹0), forex markup (1.99% vs 0%), or lounge access (16/year vs Unlimited).

Travel Federal Bank Scapia wins

Federal Bank Scapia is better for travel

Federal Bank Scapia is stronger here. Forex markup is 0%.

Select: Limited data Scapia: Limited data
Forex markup Federal Bank Scapia wins

Federal Bank Scapia is better for forex

Federal Bank Scapia is stronger here. Forex markup is 0%.

Select: Limited data Scapia: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 16/year. Domestic lounge access is unlimited.

Select: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹0.

Select: Limited data Scapia: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IDFC FIRST Select: ~₹250/month at base rate
Scapia: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Select IDFC FIRST Bank	Scapia Federal Bank
Lounge Access
Domestic lounge visits 16/year vs Unlimited	16/year	Unlimited
Forex / International Use
Forex markup Source agreement differs — verify both. 1.99% vs 0%	1.99%	0%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Rewards
Points per ₹150 Only available for IDFC FIRST Select	3 pts	Not specified
Point cash value ₹0.25 vs ₹0.2	₹0.25	₹0.2

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.